The best of both worlds Low interest and convenience.

Benefits Guide RBC Royal Bank Visa * Classic Low Rate Option The best of both worlds Low interest and convenience.

SAVINGS CONVENIENCE FLEXIBILITY Welcome to RBC Royal Bank Visa Classic Low Rate Option 3 Lower interest rate, higher savings. Save with a permanent low interest rate The RBC Royal Bank Visa Classic Low Rate Option card is the perfect choice. It has a low, fixed annual interest rate, which helps you save on interest charges, and it offers you the convenience and flexibility of an RBC Royal Bank Visa card. It is the best of both worlds! quick card overview RBC Visa Save money with a low, fixed annual interest rate of 11.9% on purchases and cash advances, including balance transfers and Visa cheques Universal acceptance No annual fee for additional cards Insurance Purchase Security Insurance 1 Extended Warranty Insurance 1 Additional Benefits Chip & PIN technology for enhanced security Zero Cardholder Liability CONTENTS Welcome 3 Insurance 4 Security 5 Cardholder Services 7 Optional Benefits 9 If you have any questions about your card, please call us at 1-800 ROYAL 1-2 (1-800-769-2512).

4 Welcome to RBC Royal Bank Visa Classic Low Rate Option With RBC Insurance, you can shop with more confidence. Security and Protection. Welcome to RBC Royal Bank Visa Classic Low Rate Option 5 Your RBC Royal Bank Visa Classic Low Rate Option card s Purchase Security and Extended Warranty coverage can help you shop more confidently, knowing your purchases are protected. Be sure to take a few minutes to familiarize yourself with this coverage. Purchase Security and Extended Warranty Insurance 1 Purchases made with your RBC Royal Bank Visa Classic Low Rate Option card are automatically protected against loss, theft or damage for up to 90 days from the date of purchase. The coverage also doubles the manufacturer s original Canadian warranty for up to one extra year. The manufacturer s warranty and the Extended Warranty Insurance cannot exceed five years. Please keep your receipts in the event you need to make a claim, and refer to the enclosed Certificate of Insurance for complete details regarding this coverage. For questions or claims, contact Assured Assistance Inc. toll-free at 1-800-533-2778. Outside Canada or the U.S., call collect: 905-816-2581. All insurance is subject to limitations and conditions. Please refer to the enclosed Certificate of Insurance for complete details regarding all the insurance coverage on your RBC Royal Bank Visa card. Zero Cardholder Liability Protection against unauthorized use of your card is absolutely essential in person or online. With Zero Cardholder Liability, you are not liable for fraudulent charges provided that, for Personal Identification Number (PIN)-initiated transactions such as ATM withdrawals, you have taken the reasonable precautions to protect your PIN, as set out in your RBC Royal Bank Visa Agreement. Chip & PIN for the highest level of security Your RBC Royal Bank Visa Classic Low Rate Option card features state-of-the-art Chip & PIN technology which protects you against counterfeiting and fraud because the chip embedded in your card is encrypted and virtually impossible to replicate. When you make a transaction at a chip-enabled terminal, you re in control. You will insert your card into the terminal and leave it there, follow the prompts and enter your PIN instead of verifying the transaction with your signature. Since it will take time for stores and restaurants to be set up with chip-enabled terminals, it will still be necessary for you to sign your receipt when the magnetic stripe on your card is swiped. Rest assured, however, that these transactions continue to be secure and you are always protected against fraud with the Visa Zero Cardholder Liability policy. While you may not use it often now, your PIN has become a key security element of your card. Remember your PIN, change it often at any RBC Royal Bank branch, and never disclose it to anyone. Changing your PIN is simple If you have forgotten or would like to change your PIN, please visit any RBC branch. For your protection please bring two valid pieces of identification with you.

6 Welcome to RBC Royal Bank Visa Classic Low Rate Option Welcome to RBC Royal Bank Visa Classic Low Rate Option 7 Access to funds whenever you need it, wherever you are. It all adds up to increased security Chip & PIN technology makes an already safe payment system even more secure. Chip cards have been tested, proven, and are now in wide use in many parts of the world. Your Chip & PIN RBC Visa card will increase your peace of mind and you ll be better protected against counterfeiting and card fraud. For more information about your PIN, please refer to the letter you received with your new RBC Visa card or visit www.rbcroyalbank.com/cards/chip Worldwide acceptance There is simply no other card more universally welcomed. Your RBC Royal Bank Visa Classic Low Rate Option card is accepted at more than one million ATMs and 24 million establishments in 170 countries worldwide and wherever you see the Visa logo. Cash advances As you know, there are times when only cash will do. The RBC Royal Bank Visa Classic Low Rate Option card provides you with access to worldwide cash advances up to the full amount of your available credit as much as $1,000 CAD per day. Simply seek out a bank machine displaying Visa, Interac 1, or and use the same PIN currently linked to your RBC Royal Bank Visa Classic Low Rate Option card. If you do not know your PIN or if you would like to reset your PIN, please visit an RBC Royal Bank branch. For your protection please bring two valid pieces of identification with you. Visa cheques RBC Royal Bank Visa cheques couple the convenience of a cheque with unlimited access to your RBC Royal Bank Visa Classic Low Rate Option card s available credit. Simply call us to order your personalized cheques which, of course, are free of charge. Commission-free travellers cheques Simply present your RBC Royal Bank Visa Classic Low Rate Option card at any RBC Royal Bank branch to receive commission-free travellers cheques in most world currencies. Autopayment Let us assist in managing your business and household accounts. With Autopayment, you can start saving time and worry by making payments to your RBC Royal Bank Visa Classic Low Rate Option card account automatically, with no extra fee. Designed with flexible payment options, Autopayment offers customized choices to help make managing your finances easier. To find out more or register for Autopayment, call 1-800 ROYAL 1-2 (1-800-769-2512).

8 Welcome to RBC Royal Bank Visa Classic Low Rate Option Welcome to RBC Royal Bank Visa Classic Low Rate Option 9 Getting even more from your card. Emergency card replacement If, in the course of your travels, your card is lost or stolen, rest assured that you may have it replaced and sent to you almost anywhere. Simply call Visa International at 1-800-428-1858 or collect at 410-581-9994 from outside Canada or 1-800-847-2911 within Canada. Online Banking If you re looking for an easier, more powerful way to do your banking, then RBC Royal Bank Online Banking is a service that s worth looking into. Online Banking gives you the tools to let you manage your banking needs on your terms. Secure. Simple. 24hr Support. To register, please visit www.rbcroyalbank.com/signup or call 1-800 ROYAL 5-5 (1-800-769-2555). estatements You can now view your RBC Royal Bank Visa card statement online with electronic statements, and at the same time, save the environmental costs of producing them on paper. View, print and save statements right to your desktop, and know that you re secure, with all of your statements protected by the RBC Online Banking Security Guarantee. Additional cards It s easy to share many of the benefits of your RBC Royal Bank Visa Classic Low Rate Option card by applying for additional cards. Additional cardholders are also protected under Zero Cardholder Liability and are covered by the insurance available to you through your RBC Royal Bank Visa Classic Low Rate Option card. Family Card Option The family card option allows you to provide an additional card to authorized users (up to nine) while setting limits and monitoring spending activity. Authorized users, who must be at least 14 years of age, are able to make purchases and cash advances, up to the limits assigned to them. It s the ideal solution for parents who want to ensure that their maturing child has the funds to meet his or her needs especially in an emergency while they teach the benefits and responsibilities associated with credit. To apply for an additional card or for more information call 1-800-769-2512 or visit www.rbcroyalbank.com/fcoption Travel HealthProtector Insurance 1 Enjoy your trip knowing that you re protected with this out of province/country travel emergency medical insurance, regardless of age or medical condition. A single trip plan is available for any trip up to 183 days in duration. Annual plan options are available for frequent travellers and cover an unlimited number of trips each up to a specified maximum length, in a 12-month period. Basic and enhanced coverage options are available. For additional information or to enrol, call toll-free 1-800-565-3129 or visit www.rbcroyalbank.com/travel Talk & Save Join the RBC Royal Bank Visa Talk & Save program for special deals on long distance and wireless phones. The Talk & Save service providers 2 offer 10% off the lowest charge of three popular home long distance plans based on your calling usage and give you a free cellular phone when enrolling in a wireless plan. Charges are conveniently billed to your Visa card. For more information call 1-877-769-2566 or visit www.talkandsave.ca

10 Welcome to RBC Royal Bank Visa Classic Low Rate Option Welcome to RBC Royal Bank Visa Classic Low Rate Option 11 Credit Alert 2 Help protect yourself against identity theft and credit fraud by monitoring your credit file. Credit Alert is a comprehensive service that monitors your personal credit file each business day and alerts you to changes such as inquiries made, new accounts opened in your name, and requests for an address change. This service will also allow you to verify changes that could affect your credit rating and even indicate credit fraud. For more information, please visit us at www.rbcroyalbank.com/cards/creditalert or to enrol, call 1-866-806-1151 and quote code RT101. InfoProtector In today s world your online data, credit cards and telecommunications devices are in need of protection. The InfoProtector program helps safeguard your private and valuable information offline and online and takes the hassle and stress out of losing or getting your wallet stolen. With ONE call, we will cancel all your credit and debit cards and request that new cards be replaced. For your online protection, ipip (internet Personal information Patrol) can help prevent the fraudulent use of your sensitive data online. Getting this protection is easy! Simply visit us at www.rbcroyalbank.com/cards/infoprotector or to enrol, call 1-877-773-7774 and quote code RG002. BalanceProtector Insurance 3 BalanceProtector Insurance can help you maintain a good credit rating during difficult times. This valuable protection can pay the outstanding insured balance 3 of your RBC Royal Bank Visa card in cases of death, accidental dismemberment or critical illness. In cases of disability, strike/lockout or involuntary job loss it can pay a monthly benefit to your RBC Royal Bank Visa account based on the outstanding balance at the time of loss. To enrol or to find out more information, simply call 1-888-896-2766 or visit www.rbcroyalbank.com/cards/balanceprotector. As with all insurance there are exclusions and limitations, please refer to the Certificate of Insurance for more details. Registered trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. * Registered trademarks of Visa International Service Association. Used under license. 1 Registered trademark of Interac Inc. Used under license. 2 Credit Alert is a registered trademark of Intersections, Inc., used under license by Carlson Marketing Canada Ltd. The Credit Alert services are provided by Intersections, Inc. and Carlson Marketing Canada Ltd.; they, not Royal Bank of Canada, are responsible for this program. All brand names and trademarks are property of their respective owners (and are used under license if applicable). Cash advances, including Visa cheques, are subject to the annual interest rate applicable to your account as shown on your Visa statement, from the day it is posted until the balance is paid in full. Cash advance fees apply. Please refer to your RBC Royal Bank Visa Agreement for applicable fees. For full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see the Electronic Access Agreement in RBC Online Banking at www.rbcroyalbank.com/online/rbcguarantee. This guarantee is given by Royal Bank of Canada in connection with its Online Banking Service. 1 Certain coverage underwritten by RBC General Insurance Company in the Province of Quebec and by RBC Insurance Company in the rest of Canada. 2 All long distance services under the Talk & Save program are provided by CDTel Inc. CDTel Inc. is the reseller, biller and service provider for the Talk & Save long distance program and a CDTel Inc. representative operates the 1-888 Talk & Save long distance customer service and enrolment lines. Cityfone is the reseller, biller and service provider for the Talk & Save wireless program and a Cityfone representative operates the 1-888 Talk & Save wireless customer service and enrolment lines. They, not the Royal Bank of Canada, are responsible for the program. 3 BalanceProtector benefits are subject to certain maximum limits. This creditor s group insurance program is underwritten by the Canadian Branches of American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida. The program is subject to terms, conditions, exclusions and eligibility restrictions. Please see the Certificate of Insurance for full details. Insurance benefits are available to Canadian residents only. All insurance is subject to limitations and exclusions. Please refer to the enclosed Certificates of Insurance for complete details regarding the insurance coverages on your RBC Visa card.

Important Information. RBC Royal Bank Visa Customer Service Card inquiries and information In Canada/U.S. 1-800 ROYAL 1-2 (1-800-769-2512) Outside Canada/U.S. call collect 416-974-7780 Lost or stolen cards, 24 hours/7 days In Canada/U.S. 1-800 ROYAL 1-2 (1-800-769-2512) International (Access code) 800 ROYAL 5-2-3 (Access code) (800-769-25523) Collect 514-392-9167 If you prefer not to have telephone access to your account information, please call 1-800 ROYAL 1-2 (1-800-769-2512) to disable this service. Assured Assistance Inc. For assistance with the insurance listed in this guide: In Canada/U.S. 1-800-533-2778 Outside Canada/U.S. call collect 905-816-2581 TDD/TTY 1-800 ROYAL 1-8 (1-800-769-2518) For additional copies of your Important Visa Numbers wallet-sized card, please visit: www.rbcroyalbank.com/cards/walletcard 16010 (04/2009)